Assistance with basic necessities
Shelter, food, water and medical assistance
:Ìý1-800-733-2767
:ÌýÌý2-1-1
Housing
assistance
Additional Disaster Information
Visit the page
Disaster Recovery, A Resource for Homeowners
°Õ³ó¾±²õÌý²µ³Ü¾±»å±ðÌýcan help homeowners with disaster preparedness and steps to recovery.
Need more information on property insurance claims?
Assistance with financial hardship
If you've been impacted by a disaster, there are a number of options that may be available to you. These include:
- Temporarily suspending your payments (forbearance)
- Options to repay suspended payments following forbearance
- Other assistance options on FHA, USDA and conventional loans
- Expanded Federal Emergency Management Agency (FEMA) assistance
- Additional resources available to all M&T customers
Plus, if you're in a FEMA declared disaster area, M&T will:
- Suppress or waive late charges for mortgage, loan and credit card accounts for a minimum of 90 days after FEMA declares the individual/public disaster areas.
- Not report missed mortgage and loan payments to the credit bureaus for a minimum of 90 days after FEMA declares the disaster.
Find out if your county is eligible for assistance by visitingÌý
Disaster Relief Forbearance Plan
If your state is impacted by a disaster, we can place your loan on aÌýDisaster Relief Forbearance PlanÌýwhich allows you to temporarily suspend yourÌýmortgage payments for one or more months if you are unable to maintain your monthly payment.
We are here to help you.
Please call us atÌý1-800-724-1633Ìýfor more information on next steps and eligibility requirements if you are interested in a Disaster Relief Forbearance Plan.
PLEASE NOTE:
The total amount of payments temporarily suspended will become due and payable at the end of the forbearance period. If your hardship is resolved after your forbearance, but you are unable to make these payments, we have several mortgage assistanceÌýoptions that may be available to you depending on the investor of your loan. You will not be required to make all of these payments at once at the end of your forbearance period.
For more information on these mortgage assistance options following the completion of a Disaster Relief Forbearance Plan, please contact us atÌý1-800-724-1633.
Disaster Loan Assistance
The Small Business Administration (SBA) offers disaster assistance in the form of low interest loans to businesses, nonprofit organizations, homeowners, and renters located in regions affected by declared disasters. SBA also provides eligible small businesses and nonprofit organizations with working capital to help overcome the economic injury of a declared disaster.
The SBA has strict Application Filing Deadlines set for each FEMA Declared event. If you are interested in the program, be sure to submit your application in a timely manner.
Who can apply for an SBA disaster loan?
- Businesses of all sizes
- Homeowners
- Renters
- Private nonprofit organizations
You must be located in aÌýdeclared disaster areaÌýand meet other eligibility criteria.
How to use an SBA disaster loan
SBA disaster loans may be used to cover:
- Losses not covered by insurance or funding from the Federal Emergency Management Agency for both personal and business needs
- Business operating expenses that could have been met had the disaster not occurred
Types of disaster loans
- Physical damage loans
- Mitigation assistance
- Economic injury disaster loans
- Military reservist loans
Expanded Federal Emergency Management Agency (FEMA) Assistance
Learn more about the updates to the FEMA Individual Assistance Program.
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Learn more about the updates to the FEMA Tribal Nations Individual Assistance Program.
Resources for Other Loan Types
HELOC Customers
- If your home has a home equity line of credit and has sustained disaster-related damage, please call us atÌý1-800-724-6444, and then press "0" to be routed to the next available representative
- ÌýIf you are behind in your payments and need assistance please reach out to us atÌý1-888-526-1580
Installment Loan Customers
- If collateral securing your loan has sustained disaster-relatedÌýdamage, please reach out to us atÌý1-800-724-2440
- If you are behind in your payments and need assistance please reach out to us atÌý1-800-724-2525
Credit Card Customers
- If you are behind in your payments and need assistance please reach out to us atÌý1-800-724-2525
Loan Impacts & Credit Reporting
- Monthly Payment:ÌýYour payments will end when the deed-in-lieu is completed
- Interest Rate:ÌýYour loan will be terminated and payments will end when the deed-in-lieu is completed
- Credit Reporting Impacts:ÌýIf a deed-in-lieu is completed, we will follow standard industry practice and report to the major credit reporting agencies that a deed-in-lieu was completed
- Tax Implications:ÌýPlease consult a tax advisor to discuss potential tax consequences
If you need assistance, contact us atÌý1-800-724-2525Ìýand we'll review assistance options with you.
